Can I buy a fixed annuity online without a broker?

Yes. Annuital lets you compare and apply for fixed annuities directly online — no sales pressure. You can browse today's rates from Nassau, Oceanview, and F&G, get a free quote, and submit your application in minutes. Our licensed agents are available to answer questions if needed, but you are never required to speak with anyone to apply.

What are today's best fixed annuity rates?

Today's best fixed annuity (MYGA) rates reach up to 5.55% APY from A-rated carriers — more than 1% higher than the best 5-year CD rates currently available at banks. Rates vary by term (3, 5, or 7 years), premium amount, and state. Compare current live rates at Annuital.com.

How does a fixed annuity compare to a CD in 2026?

Fixed annuities (MYGAs) typically pay 1–1.5% more APY than the best CD rates in 2026 — up to 5.55% APY vs. ~4.20% for a 5-year CD. Unlike CDs, annuity interest grows tax-deferred, meaning you don't pay taxes until withdrawal. Both are principal-protected, but MYGAs offer compounding tax-deferred growth that CDs cannot match for retirement savings.

What is a multi-year guaranteed annuity (MYGA)?

A MYGA (multi-year guaranteed annuity) is a fixed annuity that locks in a guaranteed interest rate for a set term — typically 3, 5, or 7 years. Your principal is 100% protected, the rate never changes during your term, and all growth is tax-deferred. It works like a CD but with higher rates and better tax treatment for retirement savings.

How long does it take to buy a fixed annuity from Annuital?

Most applicants can complete the online application in under 10 minutes. You'll need your Social Security number and bank or rollover account information. Funding via electronic bank transfer is typically the fastest option. Once approved, your annuity contract is issued and your guaranteed rate is locked.

Are there fees when buying through Annuital?

The rate you see is the rate you earn. Surrender charges may apply if you withdraw more than the allowed penalty-free amount during the surrender period.

How safe are fixed annuities?

Fixed annuities are backed by the financial strength of AM Best-rated insurance carriers and state guaranty associations (typically up to $250,000 per carrier per state). Your principal is 100% guaranteed and protected from market losses. All carriers on Annuital are rated B++ or better by AM Best.

Can I withdraw money from a fixed annuity?

Most fixed annuities allow penalty-free withdrawals of up to 10% of your account value per year. Withdrawals above that during the surrender period incur surrender charges. After the surrender period ends, you can access your full balance penalty-free. Withdrawals before age 59½ may be subject to a 10% IRS penalty on gains.

What is the minimum investment for a fixed annuity?

The minimum investment on Annuital starts at $10,000 for Nassau's MYAnnuity products and $20,000 for Oceanview and F&G products. There is no maximum investment limit. You can fund with a lump sum bank transfer, IRA rollover, or 401(k) transfer.

What states does Annuital serve?

Annuital is licensed to sell fixed annuities in Connecticut, Florida, Massachusetts, North Carolina, New Hampshire, Rhode Island, and Vermont. Services are not available to residents of California or New York.

What is defined outcome investing?

Defined outcome investing means you know your worst-case and best-case returns before you invest. Instead of exposing your savings to unknown market swings, a defined outcome product sets clear boundaries on your risk — your guaranteed rate, your floor, or your monthly income is established on day one. Fixed annuities (MYGAs), fixed indexed annuities (FIAs), and immediate annuities are all defined outcome products.

How does defined outcome investing work?

A defined outcome product defines your return range upfront. A multi-year guaranteed annuity (MYGA) locks in a guaranteed interest rate for a set term. A fixed indexed annuity (FIA) credits a portion of an index's gains with a 0% floor, so your balance never falls below your principal. An immediate annuity converts a lump sum into guaranteed lifetime income. In every case, the outcome is known before you commit.

Is defined outcome investing safe?

Defined outcome products issued by insurance carriers are 100% principal protected and backed by the financial strength of AM Best B++ or better rated insurers, with additional protection from state guaranty associations. They are not FDIC insured and are subject to surrender charges for early withdrawals, but your principal is protected from market losses.

What is the difference between defined outcome investing and a regular investment?

A regular stock or mutual fund investment has an unknown outcome — your return depends entirely on market performance and can be negative. A defined outcome product sets boundaries: your worst case (the floor) and best case (the cap or guaranteed rate) are defined before you invest, removing the guesswork and market anxiety from retirement savings.

Who is defined outcome investing for?

Defined outcome investing is ideal for retirees and pre-retirees in drawdown who can't afford a market crash, savers who want a higher guaranteed rate than a bank CD, and anyone who needs income that lasts as long as they do. Annuital offers three defined outcome strategies: LockIn (guaranteed rate MYGA), IndexedUp (fixed indexed annuity with a floor), and Paycheck (lifetime income annuity).

Privacy Policy

Your privacy and data security are our top priorities.

Service Availability Notice

Annuital services are NOT available to residents of California (CA) or New York (NY).

1. Information We Collect

We collect information to provide better services to our users. The types of information we collect include:

Personal Information

Name, email address, phone number
Date of birth and state of residence
Social Security Number (for application processing only)
Financial information (income, investment amounts)
Address and contact information

Usage Information

IP address and browser information
Pages visited and time spent on site
Quote requests and product interests
Device and operating system information

2. How We Use Your Information

We use the information we collect to:

Provide personalized annuity quotes and recommendations
Process your applications and facilitate communication with insurance carriers
Improve our platform and develop new features
Send you updates about your quotes and applications
Comply with legal and regulatory requirements
Prevent fraud and maintain platform security

3. Information Sharing

We may share your information in the following circumstances:

Insurance Carriers: To process your applications and provide quotes
Service Providers: Trusted partners who help us operate our platform
Legal Requirements: When required by law or to protect our rights
Business Transfers: In connection with a merger, sale, or transfer of assets

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate security measures to protect your personal information:

SSL encryption for all data transmissions
Secure servers and regular security audits
Access controls and employee training
Regular monitoring for suspicious activity

5. Your Rights and Choices

You have the right to:

Access and review your personal information
Correct inaccurate or incomplete information
Request deletion of your account and data
Opt out of marketing communications
Request a copy of your data

6. Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience, analyze site usage, and personalize content. You can control cookie settings through your browser preferences.

7. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on our website and updating the "Last Updated" date.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: sbia@sbia.com
Phone: 508-770-0222
Mail: Small Business Insurance Agency, Inc.
38 Austin Street
Worcester, MA 01609
NAIC: 19289226

Last Updated: January 2025

Effective Date: January 2025